Bankruptcy

Is it difficult for you to imagine a life without the burden of unmanageable debt? Our skilled Jefferson bankruptcy lawyers want people to know that gaining control of your finances does not have to be just part of your imagination. With Chapter 7 or Chapter 13 bankruptcy, it can become a reality.

Our Ohio Chapter 7 and 13 lawyers can talk to you about your options in eliminating your debts and obtaining a fresh start on your finances. The law office of Smith and Miller, Attorneys at Law, is committed to helping individuals throughout Northeast Ohio obtain debt relief. Contact us today to schedule an appointment.

Read answers to some frequently asked questions about bankruptcy.

Ohio Chapter 7 and 13 Lawyers

You will file either Chapter 7 or Chapter 13 bankruptcy. Our Ohio Chapter 7 and 13 attorneys can help you understand the differences and meet the qualifications for either.

  • Chapter 7 bankruptcy: To be eligible for Chapter 7 bankruptcy, you must qualify under the income means test. Your income will be compared to the median income in Ohio. If you make "too much money," you will not qualify. In a Chapter 7, your property is sold and the proceeds are used to pay your creditors. When the creditors are paid, your debt is discharged. Many people worry about losing all of their possessions in Chapter 7. You do not have to lose all of your possessions, and we can talk to you about these exemptions.
  • Chapter 13 bankruptcy: In a Chapter 13 bankruptcy, you enter into a payment plan that takes place over a three- to five-year time period. You will repay a portion of your debt, depending on your disposable monthly income. Our attorneys can negotiate a fair payment plan on your behalf. When you complete the payment plan, your debts are discharged.

Schedule Your Consultation at our Debt Relief Law Firm

If you would like more information on bankruptcy and would like to schedule a consultation, call us. In Ashtabula County, we can be reached at 440-576-9155. Outside Ashtabula County, we can be reached toll free at 1-866-373-0497. You can also contact us online. Our Jefferson office is conveniently located right across the street from the Ashtabula County Courthouse.